TFC Truist Financial Corporation - Fundamental Analysis
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TFC Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Banks - Regional
Current Price
Live
$49.99
Analyst Target
$55.1
+10.2%
Upside
52W High
$51.52
52W Low
$33.56
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Confidence
72%
The Advanced Deterministic Scorecard reveals significant concerns with a weak Piotroski F-Score of 3/9, indicating poor financial health, while the absence of an Altman Z-Score prevents a full distress risk assessment. Despite this, Truist Financial trades below analyst target ($49.99 vs $55.10) and offers a robust 4.14% dividend yield with a sustainable 55.76% payout ratio. Profitability metrics like a 28.61% profit margin and 39.32% operating margin are strong, but low ROE (7.98%) and ROA (0.98%) suggest inefficient capital utilization. Growth is modest (2.5% YoY revenue growth), and insider selling activity adds caution, though technical weakness appears overdone relative to fundamentals.
Key Strengths
Attractive 4.14% dividend yield well above sector average
Strong profitability with 28.61% net margin and 39.32% operating margin
Trading below analyst target price of $55.10, implying 10.2% upside
Low valuation multiples relative to sector (P/E 13.4 vs sector avg 24.39)
Sustainable dividend payout ratio of 55.76%
Key Risks
Very weak Piotroski F-Score of 3/9 signals deteriorating financial health
Missing Altman Z-Score limits ability to assess bankruptcy risk
Insider selling activity: $0.81M in sales, no buys in last 6 months
Low return metrics: ROE (7.98%) and ROA (0.98%) below sector averages
Technical trend score of 10/100 indicates strong near-term bearish momentum
AI Fair Value Estimate
Based on comprehensive analysis
$52.97
+6.0% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare TFC against industry averages and similar companies
Insider Trading & Analyst Ratings
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Past News Coverage
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